Premium Reduction – Check Entitlement & Save on Health Insurance Premiums

In Switzerland, health insurance premiums increase every year – especially for families and people with medium or low incomes, this can be a financial burden. The good news: if you meet certain requirements, you are entitled to a premium reduction, i.e. financial support from the canton.

What is the premium reduction?

The premium reduction (also Individual Premium Reduction, IPV) is a contribution from the canton towards your mandatory basic insurance (OKP). It is calculated based on income, assets, place of residence and family situation – and transferred directly to the health insurer, so you pay less premiums monthly.

Your canton of residence is responsible

Each canton regulates premium reduction slightly differently:

• Eligibility limits and calculation models vary
• In some cantons you must actively apply, in others you receive the support automatically

What you can do:

• Check whether you are eligible – we are happy to help you!
• Pay attention to deadlines: In many cantons, the application deadline is only until the end of November for the following year.
• Have your last tax assessment ready – it is the basis for the calculation.

Tip: